Insurance quote for Kia Forte in Fort CollinsSearching for low-cost insurance for a new or used Kia Forte in Colorado can turn out to be an all-consuming task, but you can learn our car insurance buying tips to find lower rates. There are both good and bad ways to shop for car insurance so we're going to tell you the absolute fastest way to compare rates for your Kia and locate the lowest possible price either online or from Fort Collins insurance agents.

It is always a good idea to compare premium rates once or twice a year since insurance prices change quite often. Just because you had the lowest quotes on Kia Forte insurance in Fort Collins a couple years back the chances are good that you can find a lower rate today. Ignore everything you know about car insurance because you're about to learn the fastest and easiest way to get good coverage on Kia Forte insurance in Fort Collins at a lower rate.

Learn How to Quote Auto Insurance More Affordably

Part of the auto insurance buying process is learning a few of the rating criteria that play a part in calculating your premiums. If you have a feel for what influences your rates, this empowers consumers to make smart changes that can help you get lower rates.

Driving citations inflate costs - Even a single citation can bump up the cost to the point where it's not affordable. Drivers who don't get tickets pay lower auto insurance prices than bad drivers. Drivers with serious violations like DWI, reckless driving or hit and run convictions may face state-mandated requirements to prove financial responsibility to the state department of motor vehicles in order to prevent a license revocation.

Performance impacts insurance premiums - The performance of the car, truck or SUV you drive makes a huge difference in your premium level. The lowest premiums are for the lowest performance passenger models, but many other things help determine your insurance rates. Since the Kia Forte is considered a passenger car, insurance will be similar in price or lower when compared to the average rates in Fort Collins.

Keep auto insurance claims to a minimum - Companies in Colorado give discounts to policyholders who do not file claims often. If you file claims often, you can pretty much guarantee higher rates. Insurance coverage is intended to be relied upon for claims that pose a financial burden.

Deductibles are a factor - Comp and collision deductibles define how much you are willing to pay out-of-pocket before a claim is paid by your company. Coverage for physical damage, termed comprehensive and collision coverage on your policy, insures against damage to your car. Some examples of claims that would be covered are collision with another vehicle, hail damage, and damage caused by road hazards. The more expense you choose to pay out-of-pocket, the bigger discount you will receive.

Kia Forte insurance claim data - Insurance companies use past insurance losses when setting rates for each model. Vehicles that have higher frequency or amount of claims will have higher premium rates. The table shown below demonstrates the loss history for Kia Forte vehicles.

For each coverage type, the claim amount for all vehicles as a whole is represented as 100. Percentage numbers below 100 imply a favorable loss record, while values over 100 point to more losses or tendancy to have larger claims.

Auto Insurance Loss Data for Kia Forte Models

Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Kia Forte 114 117 103 176 183 144
Kia Forte 114 98 147
Kia Forte 102 102 86
BETTER
AVERAGE
WORSE

Empty fields indicate not enough data collected
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Cutting your insurance rates is not rocket science. All that's required is to take the time to compare rate quotes from online providers.

The car insurance companies shown below are our best choices to provide free rate quotes in Colorado. If several companies are displayed, we recommend you visit two to three different companies to get the best price comparison.

Kia Forte Insurance Rates in Fort Collins, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forte LX 4-Dr Sedan $212 $320 $338 $20 $100 $990 $83
Forte EX 4-Dr Sedan $234 $368 $368 $22 $110 $1,102 $92
Forte SX 4-Dr Sedan $146 $238 $330 $20 $98 $832 $69
Forte EX 2-Dr Coupe $192 $360 $374 $22 $112 $1,060 $88
Forte SX 2-Dr Coupe $214 $426 $416 $24 $124 $1,204 $100
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Prices based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, multi-policy, and claim-free. Prices do not factor in the specific area where the vehicle is garaged which can influence premium rates substantially.

Can higher deductibles save money?

One common question asked by Fort Collins drivers is how high or low should comp and collision deductibles be. The figures shown below may help to illustrate the difference in cost when you select higher and lower policy deductibles. The first set of rates uses a $250 deductible for physical damage and the second data table uses a $500 deductible.

Kia Forte insurance prices with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forte LX 4-Dr Sedan $272 $376 $352 $20 $106 $1,151 $96
Forte EX 4-Dr Sedan $272 $376 $352 $20 $106 $1,151 $96
Forte SX 4-Dr Sedan $306 $458 $352 $20 $106 $1,267 $106
Forte EX 2-Dr Coupe $306 $538 $396 $24 $118 $1,407 $117
Forte SX 2-Dr Coupe $306 $538 $396 $24 $118 $1,407 $117
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Kia Forte insurance prices with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Forte LX 4-Dr Sedan $220 $304 $352 $20 $106 $1,002 $84
Forte EX 4-Dr Sedan $220 $304 $352 $20 $106 $1,002 $84
Forte SX 4-Dr Sedan $250 $368 $352 $20 $106 $1,096 $91
Forte EX 2-Dr Coupe $250 $434 $396 $24 $118 $1,222 $102
Forte SX 2-Dr Coupe $250 $434 $396 $24 $118 $1,222 $102
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Premium costs do not factor in your specific Fort Collins location which can alter auto insurance rates substantially.

Using the premium rates above, we can conclude that using a $250 deductible could cost the average driver approximately $13 more each month or $156 a year than requesting the higher $500 deductible. Because you would pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you normally average more than 19 months between claim filings, you would save more money if you choose the higher deductible.

Insuring your Kia Forte just makes sense

Even though it's not necessarily cheap to insure a Kia in Fort Collins, car insurance is required for several reasons.

The benefits of buying enough insurance outweigh the cost, especially for larger claims. Despite what companies tell you, the average driver is overpaying over $850 per year so it's important to compare rates each time the policy renews to help ensure money is not being wasted.

Lower rates by qualifying for discounts

Auto insurance is not inexpensive, but there may be some discounts that many people don't even know exist. A few discounts will automatically apply when you quote, but occasionally some discounts must be manually applied prior to receiving the credit.Save money with discounts

Discounts save money, but please remember that most discounts do not apply to your bottom line cost. Most only cut the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like you would end up receiving a 100% discount, company stockholders wouldn't be very happy.

To see a list of insurance companies with discount auto insurance rates in Colorado, follow this link.

Get rate quotes but still have a neighborhood Fort Collins auto insurance agent

Some consumers still like to talk to an insurance agent and doing that can be a smart decision Professional agents can help determine the best coverages and help submit paperwork. An additional benefit of getting free rate quotes online is the fact that drivers can get cheap rate quotes but still work with a licensed agent.

Find insurance agent in Fort CollinsUpon completion of this simple form, the quote information is instantly submitted to local insurance agents who will give competitive quotes for your insurance coverage. You don't have to contact an agency because prices are sent instantly to you. If you need to get a comparison quote for a specific company, you would need to find their quoting web page and submit a quote form there.

Choosing the best provider requires more thought than just the bottom line cost. Here are some questions you might want to ask.

Two types of Fort Collins auto insurance agents

When researching local Fort Collins agents, it's helpful to know the different agency structures that differ in how they can insure your vehicles. Insurance agencies in Fort Collins can be described as either independent (non-exclusive) or exclusive. Both can properly insure your vehicles, but it's a good idea to understand why they differ since it can impact which agent you choose.

Exclusive Insurance Agents

Agents that choose to be exclusive can only provide pricing for a single company like State Farm, Allstate, or Farmers Insurance. They generally cannot provide other company's prices so you might not find the best rates. Exclusive insurance agents are well trained in insurance sales and that enables them to sell even at higher rates. Some consumers prefer to choose to use a exclusive agent mainly due to the brand name and the convenience of having a single billing for all their coverages.

Shown below are Fort Collins exclusive insurance agents who can help you get rate quotes.

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Independent Insurance Agents

These type of agents do not sell for just one brand so they can write business with lots of companies and find you cheaper rates. If they quote lower rates, your policy is moved internally and you don't have to switch agencies. When comparing car insurance prices, we recommend you get several quotes from independent agents in order to have the best price comparison. Most can insure with companies you've never heard of who may have lower rates.

Listed below is a short list of independent agencies in Fort Collins that can give you rate quotes.

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Persistence will pay off

Drivers switch companies for many reasons like delays in paying claims, high prices, poor customer service and even policy non-renewal. Whatever your reason, finding a new company is easier than you think.

Some car insurance companies may not provide online price quotes and usually these regional insurance providers prefer to sell through local independent agencies. Low-cost Kia Forte insurance in Fort Collins is attainable from both online companies and also from your neighborhood Fort Collins agents, and you should compare price quotes from both to have the best rate selection.

Throughout this article, we presented many tips how you can compare Kia Forte insurance rates in Fort Collins. It's most important to understand that the more quotes you get, the more likely it is that you will get a better rate. Drivers may even discover the lowest rates come from the least-expected company.

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